Why Kubera?

More questions?
Email us at hello@kubera.com

What is Kubera?


Kubera helps you keep track of your wealth — net worth, portfolio & asset values.
It also ensures safe transfer of critical information to your beneficiary.

How does it work?

  • Enter your assets, investments, debts, insurance and their values in a simple table. If possible enter cost as well. If you only know the cost, enter it as value.
  • Connect your bank and investments accounts to update the values automatically.
  • Add more details and documents for each of them.
  • Update the values in the table as you go.
    Every update is kept in history to go back in time to see how you fared.

Why now?


Your assets are scattered across multiple custodians. It is becoming increasingly complex to keep track of them and ensure safe transfer to the family in case of an eventuality.

It is no longer just stocks, bonds and real estate spread across multiple places. Assets like crypto, private investments, foreign investments, loans to family/friends, collectibles, precious metals, domain names, trademarks & other digital assets also have need to be tracked.

How does Kubera ensure safe transfer of my portfolio to my family?


In Kubera, you can add a Beneficiary e.g your spouse.

Kubera has a “life beat” check. If you are inactive for a certain number of days and don’t respond to Kubera’s attempts to reach you, a mail with all your information in downloadable format (Excel & ZIP) will be sent to the Beneficiary.

A fall back contact (Trusted Angel), who you trust to help out in difficult times, can also be optionally nominated to receive this mail, in case the Beneficiary fails to respond even after multiple reminders.

How is Kubera different from Mint, YNAB and Personal Capital?


Mint and YNAB are primarily budgeting tools with some net worth tracking thrown in. A budgeting tool is great for young people who are earning a regular paycheck and starting their “grown-up” life with all of the expenses and freedom to spend that comes with it. 

Personal Capital has budgeting and asset tracking features but the company is an online financial advisor that uses both a robo-advisor algorithm and financial advisors. So while you can use Personal Capital’s free tools, the paid aspects will be heavily marketed to you.

Kubera is a Net Worth Tracker with modern features designed for this purpose - it’s simple to use, supports all kinds of assets, can link to your online accounts, has storage for related documents and a unique sharing feature to ensure the information gets passed on to your beneficiary if something happens to you. Runs as a straight forward subscription service, so no up-selling of advisor services, not selling your data or showing ads.

Why can't I just use Excel or Google Sheets?


On the surface, Excel (or Google sheets) seems like a pretty simple program without much of a learning curve. Just enter the data into rows and columns and you can look it over at any time. Google Sheets has also the advantage of sharing features so others can access the same information if you allow them to. But in order to make the best use of Excel or Google Sheets as a financial planner, you need to learn how to use formulas - from simple summing up to pretty complex ones if you want automatic updates.

Kubera also allows you to quickly enter information into a simple table but you don't have to learn formulas to get your totals and percentages. The rows can be connected to your online bank or investment  accounts to update the numbers and holdings automatically. You can keep notes and upload documents in context against every row. And finally Kubera has unique sharing features that's designed to ensure this information pass on safely to your beneficiary only if you’re inactive for a certain number of days and don’t respond to Kubera’s attempts to reach you.

What do you do for privacy and security?


We understand that we are storing your sensitive data and protecting it is our highest priority.

By design, our business model is “privacy-friendly”. We charge you a subscription so we don’t have any business motivation to sell your information to 3rd parties or for advertising. Here’s our Privacy Policy.

Kubera employs the latest Bank-Level Security practices and industry-leading encryption standards.

How does Kubera connect to my bank account?


Plaid and Yodlee are market leaders in financial data aggregation services used by leading FinTech innovators and financial institutions worldwide. Kubera uses them to connect your online bank and investment accounts to update account balances automatically.

Both Plaid and Yodlee provide only a read-only interface to Kubera; therefore Kubera cannot make any transactions on your behalf. Your financial institution credentials are directly sent from your browser. Kubera servers will never see your credentials.

Why are you providing a 100-day trial?


We want you to take your time to carefully organize your assets and set up your beneficiaries. We want you to subscribe only if you find Kubera incredibly useful after an extended period of time.

Are you here to stay?


Kubera is well capitalized. Our founders had two successful exits in 2018 - Webyog (an enterprise database tools company with 35k customers) & CloudMagic (creators of Newton - a popular email app). The team has a proven track record of building multiple companies together and creating beautiful products used by millions.

In the event of Kubera shutting down, we'll let everyone know at least 90 days in advance. We will proactively mail you all data and files in industry standard formats (Excel & ZIP). If you do not download your data even after multiple reminders, it'll be sent to your Beneficiary and finally to your Trusted Angel in case the Beneficiary also fails to respond.

What does Kubera mean?


Kubera (Sanskrit: कुबेर) is the Lord of Wealth according to Indian mythology.